Pest Control Podcast - The Arthropodcast Show

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Bats and Homeowner’s Insurance

August 11, 2020 by Steve Jackson, A.C.E.

Greetings Arthropodians! I hope this pandemic hasn’t been too hard on you and your loved ones.

Some of you may remember me has a co-host of this podcast. Bryan and I did over one hundred episodes together before I decided to spend more of my off-time with family. Sometimes I miss doing the show, but Scott has brought a new flavor to the podcast that I really enjoy. I’m sure y’all feel the same way.

Keep doing your thing, gentlemen!

I wanted to drop by today to share a bit of information that I recently learned about bats and homeowner’s insurance.

For years, I just assumed that bat removal and clean up was not covered by insurance. I’ve asked many insurance adjusters about it and got the same answer – NO.

Pull a policy and look at the “Exclusion” section. What you’ll see is a listing (usually #6 or #7) of animal damage NOT covered by insurance. The animals usually listed include: birds, rodents, insects and vermin.

That’s the key.

Bats are none of those things.

SOME policies list bats, but MOST policies only list the aforementioned.

What does this mean?

In many cases, your customer will not have to spend more than their deductible to have costly clean-up services like guano removal and attic restoration performed. In addition, with the right approach, bat bug removal can be covered as well. After all, bat bugs would not be present if there were no bats, correct?

Unfortunately, most policies won’t cover bat-proofing, but that’s just the way the ball bounces. I highly recommend you do NOT take a creative approach on the bat-proofing piece; there is this thing called fraud.

If you’d like more detail on the difference between bats, rodents and vermin, you can visit the post on my new blog KnowBats.com.

I hope that bit of info helps some of you as much as it has me!

If you like this post, please share it along:

This Month’s Posts

EP #189

Bryan and Scott interview Rob Hardin of Rare Jingles. He has been in the pest industry for about 8 years. No Bugs in My Crib was his first Pest Jingle and then a passion was formed and so was Rare Jingles. He started his own company this year called NC Wildlife Experts. Check out this…

EP #188

The guys are back with another super awesome show. Bryan tells us about the day he wrangled a snake out of a customers house. Scott shares his brush with COVID-19. The guys share some stories about hard pest to take care of. Scott is dealing with a pesky apt complex.

EP #187

Bryan and Scott open the show talking about Patrick Baldwin’s podcast The Boardroom Buzz. Great interview Patrick! Of course Bryan gets his love in for Jerry Schappert on this episode. Scott shares some struggles he is going through starting his business. Bryan shares he is opening his first office. We shout out to Ann Maria…

EP #186

The guys start the show with a little election talk. It’s a sad day in the social media world. The Great Daniel Dye signs off of Facebook. Scott cries a little bit but will be ok. Bryan gives Scott advise on using a vacuum to help with German Roach clean outs. Shout out to a…

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About Steve Jackson, A.C.E.

While a large part of my time is consumed killing bugs, catching rodents and excluding bats, I'm also a husband and father of two. In my off time, I enjoy watching college football, UFC fights and movies.

You can check out my blog at KnowBats.

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